Jay M. Feinman

“The law is so complex and voluminous
that no one, not even the most knowledgeable lawyer, can understand it
all. Moreover, lawyers and legal scholars have not gone out of their way
to make the law accessible to the ordinary person. Just the opposite: Legal
professionals, like the priests of some obscure religion, too often try to
keep the law mysterious and inaccessible.”
― Jay Feinman

“Insurance works when the insurance company honors a simple
promise: When a policyholder files a claim, the company will pay what it
owes, no more but no less, and will do so promptly and fairly. Insurance
doesn’t work when the company breaks its promise in order to increase its
profits.Insurance doesn’t work when companies delay, deny, defend. When they
delay payment of claims to wear down claimants and to increase their
investment income, flat-out deny some valid claims in whole or part, and
defend against valid claims in litigation to back up the delays and denials,
they break their basic promise.”
― Jay M. Feinman, Delay, Deny, Defend: Why Insurance Companies Don't Pay Claims and What You Can Do About It